{"citations":{"source_mix":{"company_owned":8,"independent":13,"unclear":0},"sources_referenced_by_questions":0,"support_mix":{"direct":13,"partial":7},"total_sources":21,"unique_domain_count":13},"claims":[{"claim_id":"claim-001","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"predicate":"platforms_analyzed","qualifier":"valid included platform responses","subject":"Best Credit Monitoring Services Before Applying for a Mortgage","unit":"platforms","value":7},{"claim_id":"claim-002","confidence":"verified","observed_at":"2026-09-07","platform_support":["kimi","perplexity"],"predicate":"final_consensus_rank","qualifier":"Pre-Mortgage Credit Monitoring","subject":"Identity Guard","unit":"rank","value":10},{"claim_id":"claim-003","confidence":"verified","observed_at":"2026-09-07","platform_support":["kimi","perplexity"],"predicate":"platform_mentions","qualifier":"out of 7","subject":"Identity Guard","unit":"platforms","value":2},{"claim_id":"claim-004","confidence":"verified","observed_at":"2026-09-07","platform_support":["anthropic"],"predicate":"fit_rating_count","qualifier":"good","subject":"Identity Guard","unit":"platforms","value":1},{"claim_id":"claim-005","confidence":"verified","observed_at":"2026-09-07","platform_support":["openai","deepseek","grok","perplexity","kimi"],"predicate":"fit_rating_count","qualifier":"mixed","subject":"Identity Guard","unit":"platforms","value":5},{"claim_id":"claim-006","confidence":"verified","observed_at":"2026-09-07","platform_support":["google"],"predicate":"fit_rating_count","qualifier":"weak","subject":"Identity Guard","unit":"platforms","value":1}],"consensus_findings":["Three-Bureau Coverage Is the Core Strength","Score-Model Transparency Is a Major Weakness","Mortgage-Specific Planning Tools Are Lacking","Alert Speed and Update Frequency Are Not Clearly Documented"],"content_scope":"aggregated facts, computed metrics, and retrieval summaries","disagreements":["Score Model: FICO vs. VantageScore","Report Access Frequency","Overall Fit Rating","Pricing"],"entities":[{"average_rank":7,"best_rank":6,"entity_id":"entity-001","entity_type":"company","final_rank":10,"name":"Identity Guard","platform_mentions":2,"platform_share":0.2857142857142857}],"identity":{"dataset_url":"https://creditconsensusindex.com/datasets/credit-monitoring-scores/pre-mortgage-credit-monitoring/identity-guard.json","page_url":"https://creditconsensusindex.com/credit-monitoring-scores/pre-mortgage-credit-monitoring/identity-guard","report_type":"fit_review","study_id":"CCI-STUDY-AB54B69680CA","title":"Identity Guard for Credit Monitoring Services Before Applying for a Mortgage Review"},"limitations":["Use the run researchdate as the study date. Platform-reported dates are provenance metadata and do not independently prove freshness.","All included platforms evaluated fit, but platformmentions counts only platforms that named the entity during ranking discovery.","Do not resolve conflicting product names, pricing, or capabilities by guessing; describe the conflict and tell buyers what to verify.","The supplied URLs were collected from platform responses and were not independently validated by the writer stage.","Platform-reported research dates differ from the authoritative run date; disclose this as a methodology limitation."],"methodology":{"fit_rating_contract":["strong","good","mixed","weak","uncertain"],"included_valid_platform_count":7,"maximum_finalists":10,"minimum_mentions":2,"name":"Credit Consensus Index cross-platform AI consensus analysis","platforms_included":["anthropic","deepseek","google","grok","kimi","openai","perplexity"],"platforms_queried":["openai","anthropic","deepseek","grok","perplexity","kimi","google"],"stages":["ranking_discovery","fit_assessment","normalization","editorial_synthesis"],"version":"alias-table-1"},"provenance":{"generated_at":"2026-09-07 05:51:04.747914+00","research_date":"2026-09-07","source_snapshot_sha256":"cdb3c9f65d1922b38323c485b1d5e0f46055df809f4367345c4549d46f1d73d3","verification_scope":"public_verification"},"ranking":{"candidates_evaluated":19,"qualified_finalists":10,"ranking_unit":"Credit monitoring or credit score service and subscription plan"},"schema_version":4,"summary":"Identity Guard is a mixed fit for Pre-Mortgage Credit Monitoring. Two of seven AI platforms (Kimi and Perplexity) named Identity Guard during the ranking stage, giving it a platform share of 28.6%, an average listed rank of 7.0, and a best rank of 6. The strongest reason to consider Identity Guard is its three-bureau credit monitoring coverage on paid plans, which helps detect material credit changes before a mortgage application. The main limitation is that Identity Guard does not clearly provide the mortgage-specific FICO score versions (FICO 2, 4, or 5) that lenders commonly use, and one…","target_buyer":"Prospective mortgage borrowers who want to monitor lender-relevant scores, reports, and material credit changes before applying for a home loan","topic":{"base_category":"Credit monitoring & scores","category_criteria":["Mortgage-relevant score access","three-bureau report coverage","score-model transparency","alert speed","update frequency","planning tools","subscription cost"],"geography":"United States","slug":"best-credit-monitoring-services-before-applying-for-a-mortgage","title":"Best Credit Monitoring Services Before Applying for a Mortgage","use_case":"Pre-Mortgage Credit Monitoring"}}